Important Factors to Consider While Buying Mutual Funds

Mutual funds are professionally managed pools of investment that show the performance of stocks, shares and bonds. An advisory firm usually organizes the fund to offer the shareholder some specific investment goal. If you want to invest on mutual funds, you can buy the share of mutual fund or the stock. By doing so, you become the part owner. Board of directors is appointed by the company to have a look at the operation. They help the company to raise money by selling the stocks or shares of the fund which belongs to the company. If you have already considered this general finance mode to make money in the long run, you need to consider important factors prior to proceeding.

Figuring out the investment goal is the foremost step. Without understanding the mechanism of investing, you should never invest. Before staking your money on any of the mutual funds, consider the risks involved and aspects like what will cause the price fluctuation. Consider the growth points and things like what will lead to the price appreciation. Try and monitor what you can expect in the near future.
Assess the risk and reward that is present. Evaluate the risk ratio in the very initial stage. By doing so, you will get to know much about the potential of the mutual fund.

Mutual Fund

The portfolio parameter is the key to gaining from your mutual fund investment. To get the best results from your investments, the investment goal must be right and realistic.



While you buy the mutual funds, tax benefits are just like the icing on the cake. Like the bonds and stocks may offer you tax benefits, even mutual funds can deliver you that. Tax calculation and considering tax benefit is important when you try to evaluate the absolute returns from your investment. Have a closer look at the payouts and dividends that would be due.

The capability of the manager of the fund also needed to be considered. The manager who manages your mutual funds must bear the right expertise and should be credible. In fact, the rise in price of the fund is directly based on the management quality. Keep researching about the funds and how they performed in the past. Get to know about the funds from your friends or past clients to evaluate the performance. The fund must be bought after a careful thought. Make sure the person taking care of your money has great industry experience.

Your long term investment plan on the mutual fund must be strong. Choose a fund only after planning it out for the long term basis. Mark the positives of the market and your chosen fund which must be known for bringing great returns. The portfolio parameter is the key to gaining from your mutual fund investment.

To get the best results from your investments, the investment goal must be right and realistic. Do not set unrealistic goals. Apart from this, one needs to know the reasons that can perhaps boost the prices of mutual funds. Different support factors and the growth factors are must to consider. Get in touch with a reliable fund manager who can guide you through the selection of funds.…

Is it still beneficial to have offshore bank accounts?

International banking or offshore banking as it is more popularly referred to is banking that takes place across the borders. As a matter of fact, it dates back to the times of Renaissance where the culture of lending to foreign kings had started.

Today, in the contemporary world offshore banking refers to banks and companies offering credit to the masses in the global market. An international bank account will probably be different than the one in your territory. Additionally, they will have different requirements, terms, and conditions to follow.

Like all things, offshore banking accounts come with a variety of goods and bad. Let’s dive into some of the pros and cons of an international bank account to determine whether they still hold prestige or not.

The Pros

Of course, offshore banking accounts have a number of advantages that have attracted millions of people to opt for them. Some of these are:

Minimize Risk

Offshore accounts are a great way to reduce the risk of devaluation of currency. Due to unfavorable and fluctuating economic climates prevailing around the world, such as inflation, recession, etc, it is always good to diversify your money in international bank accounts and minimize the risk.

Low tax rates

You can easily save on taxes. If you live in a nation that taxes you for remitting money, you can divert your asset to international bank accounts so as to save yourself from hefty tax rates.

Government Control

Since most international bank accounts are supervised by government interventions, it is able to provide with better services and solutions that you might not get from a local bank.

The Cons

Here are some cons that make international banking unattractive. These are as follows:


Today, international bank accounts are deemed as faulty, immoral and illegal—thanks to Panama leaks! Many depositors have been found to be at fault for: Laundering, evading tax rates, transferring immoral/black money, etc. Therefore, such accounts are under high government scrutiny to determine whether transactions and deposits are legitimate or not.


Rules, regulations, terms and conditions of an international bank account may be more challenging and tough to comprehend. For example, offshore banks may charge higher charges in terms of: Maintenance fee, minimum balance, service fees, etc. Therefore, it is essential to thoroughly understand the jurisdiction of such banks.

Time & Money

With an offshore banking account, you may come across issues and problems. These problems might be impossible to tackle through phone or online. Therefore, the process to resolve any issue will take more time and money.

Is it still beneficial?

Today, offshore banking is not what it was a decade ago. The advantages may look a lot in number, but in all practicality the cons are more dominant. Especially, increase in offshore bank accounts fraud cases has left the world in mistrust and disbelief. People now deem local banks to be safer than sending their money across border. So, if you don’t have an offshore bank account, you are better off than the ones with their names on Panama Leaks!…

The 5 Best Buy to Let Mortgages

Buy-to-let mortgages are targeted towards those individuals who are looking for money to purchase a property that they will rent out to tenants. These mortgages are great for helping home buyers make money by renting the purchased property. However, these loans work best when you have selected the best buy to let mortgage plan.

Below are the 5 best buy to let mortgages that will help you buy your desired private property and out it on rent to earn higher profits:

1.     Virgin Money

Mortgage Type: Fixed

Rate: 2.19% reverting to 4.99%

APRC: 4.6%

Max LTV: 60%

This buy to let mortgage plan offered by Virgin Money is a great deal for borrowers looking to enjoy maximum satisfaction. The company has been voted as the best buy to let mortgage provider in 2016. The provider offers 75% loan to value on its buy to let mortgage.

2.     Santander

Mortgage Type: Fixed

Rate: 1.89% reverting to 4.74%

APRC: 4.5%

Max LTV: 60%

Santander’s buy to let mortgage offer allows borrowers to get fixed rate for the first 27 months of their loan period. During this time, the interest rate on the loan will remain 1.89% and will change to 4.74% for the remaining payment period.

3.     Barclays

Mortgage Type: Tracker (2 years)

Rate: 1.93% reverting to 4.49%

APRC: 4.7%

Max LTV: 60%

This buy to let mortgage plan offered by Barclays have a repayment term of 25 years. The first 24 months of the term will require you to pay 1.43% tracker rate and 4.49% for the remaining period. This rate is higher than the bank base rate.

4.     Platform

Mortgage Type: Tracker (2 years)

Rate: 1.89% reverting to 5%

APRC: 4.8%

Max LTV: 60%

This buy to let mortgage offered by Platform has a loan term of 25 years with a tracker rate for the entire mortgage period. The tracker rate is individually set by the company and is 1.39% for the initial 24 months and 4.5% for the rest of the repayment period. This loan is great for those who want to enjoy lower interest rates in the first half of their loan term.

5.     The Mortgage Works

Mortgage Type: Tracker (2 years)

Rate: 1.94% reverting to 4.49%

APRC: 4.4%

Max LTV: 65%

The Mortgage Works’ buy to let mortgage plan also consists of tracker rate, which means that you will be paying a lower interest rate at the beginning of the loan term and an increased rate in the second half of the term. This loan term is payable over 25 years and the first 26 months requiring borrowers to pay an interest rate of 1.44%. The remaining months of the term the mortgage will be set to 4.49%. The initial interest rate on this mortgage is higher than the base rate.


Before you sing-up for a buy-to-let mortgage plan, make sure you have conducted proper research. The aforementioned mortgage plans are ranked UK’s best and if you are searching for a buy-to-let mortgage plan, given them a look.…